North Dakota Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the 24)
Issued by
ND Insurance Department
North Dakota runs a clean 24-hour, two-year cycle with 3 hours of ethics. The two things worth getting right are the reporting lag - providers have 15 days to file your credits, so a last-minute course can post after your deadline - and a carryover rule with a narrow time window that is easy to misread.
The North Dakota Insurance Department oversees producer licensing. Your license renews on the last day of your birth month, biennially, and you must pay a renewal fee with any required CE on file by that date.
The base requirement: 24 hours, 3 of them ethics
Resident producers licensed for lines such as life and annuities, accident and health, property, casualty, personal lines, or crop hail (or any combination) must complete at least 24 credit hours of approved continuing education per biennial compliance period. At least 3 of those hours must be ethics. The ethics hours count within the 24, not on top of them.
Reporting lag, deadlines, and carryover
- Your license renews on the last day of your birth month, every two years; if your record does not show CE compliance, you cannot renew.
- CE providers have 15 days to report completed credits, so aim to finish by the middle of your birth month in your renewal year.
- Up to 12 hours over the minimum, taken in the last 12 months of your reporting period, may be credited to the next 12 months.
- Ethics hours can be carried forward only as regular hours - they cannot carry forward as ethics hours to satisfy the next ethics requirement.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeThe multi-state angle
North Dakota's 15-day provider reporting lag is the quiet trap: a producer who finishes a course on the last day of the birth month can be on time and still show noncompliant when the renewal is processed. The carryover rule is also narrower than it first appears - only surplus hours from the final 12 months qualify, and ethics never carry as ethics. For a multi-state producer juggling several carryover schemes, that is easy to get wrong without each license tracked on its own.
How CredTally keeps this on autopilot
- Track 24 hours with a dedicated 3-hour ethics bucket - the dashboard shows each separately and tracks your general carryover balance up to 12 hours.
- Multi-state producers: every license gets its own card, deadline, and reminders, so North Dakota's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so Department reviews and renewals are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline - early enough to beat the 15-day provider reporting lag.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do North Dakota insurance producers need?
At least 24 credit hours of approved continuing education per two-year compliance period, including at least 3 hours of ethics.
When is North Dakota insurance CE due?
By the last day of your birth month in your renewal year. Because providers have 15 days to report credits, finishing by the middle of your birth month is the safe pattern.
Can I carry over extra CE hours in North Dakota?
Yes - up to 12 hours over the minimum, taken in the last 12 months of your reporting period, can carry to the next 12 months. Ethics hours carry only as regular hours, not as ethics.
What happens if my North Dakota CE is not on file at renewal?
If your record does not show CE compliance, you will not be allowed to renew your license - which is why the provider reporting lag matters.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
CredTally tracks all of this for you
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
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